Credit union · NCUA insured
CACL Federal Credit Union CD Rates
Top CarrotCACL Federal Credit Union’s best CD rate is 3.70% APY on a 3-month share certificate (CD). Terms run from 3 months to 10 years. Rates checked October 16, 2026.
How CACL Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Pottsville, PA, where CACL Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CACL Federal Credit Union
3.70%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $91
Share Certificates
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
CACL Federal Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.57%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.70%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where CACL Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.70%APY · 13 terms
Minimum deposit required to open an account $500.00 to earn stated APY. Fixed dividend rate and APY for the term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal of principal. Requires $5 deposit into a Membership Savings Account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.70% | $91 |
| 6 months | 3.65% | $181 |
| 9 months | 3.57% | $267 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.45% | $702 |
| 30 months | 3.20% | $819 |
| 36 months | 3.20% | $991 |
| 42 months | 3.20% | $1,166 |
| 48 months | 3.05% | $1,277 |
| 54 months | 3.05% | $1,448 |
| 60 months | 3.25% | $1,734 |
| 120 months | 3.05% | $3,505 |
Special-purpose accounts
IRA Certificate Rates
Up to 3.70%APY · 13 terms
Minimum deposit required to open an account $500.00 to earn stated APY. Fixed dividend rate and APY for the term. Subject to IRA maximum contribution regulations depending on type and age. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal of principal. Requires $5 deposit into a Membership Savings Account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.70% | $91 |
| 6 months | 3.65% | $181 |
| 9 months | 3.57% | $267 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.45% | $702 |
| 30 months | 3.20% | $819 |
| 36 months | 3.20% | $991 |
| 42 months | 3.20% | $1,166 |
| 48 months | 3.05% | $1,277 |
| 54 months | 3.05% | $1,448 |
| 60 months | 3.25% | $1,734 |
| 120 months | 3.05% | $3,505 |
Who can join CACL Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Schuylkill County are eligible for membership.
Cost to join
- A $5 deposit into a new savings account is required to open an account and gain access to membership benefits.
Membership information collected October 5, 2026.